ARM vs. Fixed-Rate Mortgages: When Taking an Adjustable Rate Is a Smart Calculated Risk

Mention an adjustable-rate mortgage (ARM) to anyone who lived through the 2008 housing collapse, and you will likely trigger an instinctive shudder. For over a decade, fixed-rate loans have been treated as gospel, while ARMs were branded as reckless financial roulette. But treating all adjustable mortgages like toxic relics from the subprime era is a … Read more

VA Loan Eligibility and Funding Fees: How Veterans Buy With 0% Down

If you have worn the uniform of the United States Armed Forces, you have earned access to what is undeniably the most powerful mortgage product in the American lending ecosystem: the VA home loan. Backed by the U.S. Department of Veterans Affairs, this program was created under the Servicemen’s Readjustment Act of 1944 to give … Read more